How do I find my Ohio city's income tax rate?
Type its name into the finder on this page. It lists every one of the 666 Ohio municipalities that levied an income tax in 2026, with the rate each charges, taken from the Ohio Department of Taxation's own municipal rate register. Rates run from 0.45% to 3%, and 266 municipalities -- more than any other rate -- charge exactly 1%.
Do I pay Ohio city tax where I work or where I live?
Usually both. Your employer withholds for the city you WORK in -- Ohio Revised Code 718.03(A)(1) requires it. Withholding for the city you LIVE in is optional and only happens if you ask for it, but you still owe that tax. Your resident city then gives you a credit for some or all of what the work city took. If the credit does not cover its whole bill, you owe your home city the difference directly, and most people find that out at filing time.
How much credit does my city give for taxes paid to another city?
It depends entirely on your city, and there is no state-wide rule. Ohio Revised Code 718.04(D) says a municipality "MAY, by ordinance or resolution, grant a credit... for all or a portion of the taxes paid to any municipal corporation" -- so each city sets its own credit percentage AND its own credit cap, and the two are independent. Columbus and Dublin credit 100% up to their full rate. Springfield credits only 50%. Cleveland Heights credits 50% and caps it at 1%. Findlay credits nothing at all.
Why do I owe my home city money when my employer already withheld city tax?
Because your home city's rate is higher than the credit it allows. If you work in a 1% city and live in a 2.5% city that credits 100% up to 2.5%, the credit covers only the 1% actually paid -- you owe the remaining 1.5% to your home city. Columbus states the consequence plainly: you are responsible for paying additional tax if the rate where you live is greater than where you work.
Which Ohio city has the highest income tax rate?
3% is the highest municipal rate in the 2026 register, charged by Bedford and Parma Heights. The lowest is 0.45%, charged by Indian Hill. A high rate is not the whole story: what you actually pay depends on your home city's credit for the tax withheld where you work, and those two parameters are set separately from the rate.
Is Ohio school district income tax the same as city income tax?
No -- they are separate levies and neither credits the other. School district income tax is based on where you LIVE, not where you work, and the Ohio Department of Taxation is explicit that your school district withholding is not the same as your city withholding. Dayton's income tax ordinance puts the other half of it just as plainly: no credit shall be given to any taxpayer for any school district income tax. This calculator covers municipal tax only.
Does this cover every Ohio city?
Every RATE, yes -- all 666 municipalities levying an income tax are listed above, from the state's own register. The resident CREDIT is a different matter: R.C. 718.04(D) leaves it to each municipality's ordinance, so it cannot be derived from the rate and has to be read city by city. That has been done for 69 of them, each against the city's own publication or its collection agent (RITA or CCA). The rest show a dash in the credit column, which means not yet verified -- not that no credit exists.
What about JEDDs and JEDZs?
Not covered. A Joint Economic Development District or Zone is its own taxing entity with its own row in the rate tables, and they typically grant no credit at all -- RITA lists several at a 0% credit factor. A JEDD parcel does not behave like the city hosting it, so treating one as its host city would give the wrong answer.
